What coverage can be found in Section I of a Commercial General Liability (CGL) policy?

In a Commercial General Liability (CGL) policy, Section I primarily focuses on coverage for bodily injury and property damage. This section provides protection against claims resulting from injuries or damages caused by the insured’s business operations, products, or premises. The bodily injury component covers physical injury, illness, or death of a person, while property damage pertains to harm or destruction of tangible property belonging to someone other than the insured.

This foundational aspect of a CGL policy is crucial, as it addresses the most common risks faced by businesses. It helps provide financial support for legal defense costs associated with these claims, as well as any damages awarded to the injured parties. This coverage ensures that businesses are not unduly burdened by the costs associated with accidents or negligence that may arise during their operations.

Other options, like personal injury, professional liability, and product recalls, do not fall under Section I of a CGL policy. Personal injury covers claims related to non-physical harm, such as defamation or invasion of privacy, and is classified under separate coverage. Professional liability deals with errors or omissions in the performance of professional services and is often found in specialized liability policies rather than a general liability framework. Similarly, product recalls are more specialized and typically require specific endorsements or